If you're a senior with high-rate credit card debt, it helps to start exploring these three options now, before 2025.

Applying for a new credit card can hurt your credit score in the short term, but having and using the card responsibly can improve your score in the long run.

It's important to pay off credit card debt as quickly as possible. Learn about the mistakes I made that kept me in debt longer and cost me money.

After all, the typical uptick in spending that occurs during the final months of the year can make it tough to manage your budget, and if you're also dealing with high-rate credit card debt, keeping your finances on track can be even more difficult during this time of the year.

To prevent credit card debt, maintain self-discipline and create a budget. Save for emergencies, pay more than the minimum due, and adopt good spending habits. Responsible credit card use can provide rewards and improve credit scores,